The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Globe Whole Life insurance does have some cash value; Globe Term Life insurance does not. You can contact the life insurance company to ask for an illustration that shows how much cash value will be in the policy in the future. If they are unable to provide that, it will be shown on the policy when you get it.